Business & Commercial Insurance
Commercial insurance, also known as business insurance, financially protects your business from common risks such as client lawsuits, customer or employee injuries, property theft and damage, as well as other unexpected events.
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Frequently Asked Questions
What does business & commercial insurance cover?
Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.
How much business & commercial insurance do I need?
At a bare minimum, you need to carry the amount of car insurance required in your state. However, that likely won’t be enough to protect you in a serious accident.
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Drivers who want to be fully protected should buy the highest levels of insurance they can comfortably afford. For the vast majority of at-fault car accidents, liability limits of 100/300/100 would be more than enough coverage to pay for all of the damage you caused. Coverages like UM/UIM and PIP can help pay your medical expenses if you are hit by someone who doesn’t have insurance. Adding comprehensive and collision insurance is an excellent way to make sure your car is protected if it is damaged, totaled, or stolen.
Is commercial insurance required by law?
Commercial insurance is typically not required by law, but many businesses are required to have certain types of coverage in order to operate. For example, most businesses are required to have workers' compensation insurance.​
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Can I customize my commercial insurance policy?
Yes, most commercial insurance policies can be customized to meet the specific needs of your business. This may include adding or removing coverage options, or increasing or decreasing coverage limits.​
Can I insure multiple businesses under one commercial insurance policy?
Yes, it is possible to insure multiple businesses under one commercial insurance policy. This is known as a package policy, it may be offered by the insurance company and it may include different coverage options that can be tailored to the needs of each business.
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